Tree Removal After a Storm: What’s Covered and What’s Not

Tree Removal After a Storm: What’s Covered and What’s Not

Storms blow through fast. Cleanup? Not so much. If you’ve got a downed tree in your yard—or worse, on your roof—you're probably wondering what your insurance actually covers. At Total Home Water Restoration, we’ve helped plenty of Grove City homeowners sort through this mess. Here's what you need to know.

When Tree Removal Is Usually Covered

Most homeowner’s insurance policies will cover tree removal if the tree causes damage to a covered structure. That means:

• It fell on your house

• It smashed your garage

• It damaged your fence or shed (if those are included in your policy)

In these cases, insurance typically pays for:

• Removing the part of the tree on the structure

• Repairing the damaged structure

• Removing debris from the immediate area (limited)

But here’s the catch: they won’t cover removing the rest of the tree from your yard.

When It’s Not Covered

Insurance likely won’t pay if:

• The tree fell in the yard but didn’t hit anything

• The tree was already dead or rotting (maintenance issue)

• You want the rest of the tree cleaned up “just because”

In those cases, you’re on the hook for the full removal and cleanup cost. And that can run anywhere from $500 to $2,000 or more, depending on the size and location of the tree.

Safety First: What to Do After a Tree Falls

If a storm knocks a tree over, follow these steps:

1. Stay clear. Don’t go near downed trees, especially around power lines.

2. Call your insurance company. Get their guidance before moving anything.

3. Take photos. Document everything for your claim.

4. Call us at 380-246-1837. We’ll help you assess the damage and safely start the removal process.

Working With a Local Pro Matters

We’ve been on jobs in Grove City, Hilliard, Dublin, and surrounding areas where rushed cleanup created bigger headaches—like punctured roofs that weren’t properly tarped or subpar contractors who left behind dangerous stumps.

At Total Home Water Restoration, we do it right:

• Full storm damage inspection

• Tree removal coordination

• Roof tarping and structural repair

• Direct insurance billing (when applicable)

FAQ: Tree Removal After a Storm

Does insurance cover removing trees from the driveway?
Only if the blockage is preventing access to your home. Even then, it's often limited.

What if it’s my neighbor’s tree?
If it fell due to natural causes, it’s your policy that covers your property. If it was a known hazard, your neighbor might be liable—but that’s a legal fight.

Can I remove the tree myself to save money?
Only if you’re trained and it’s safe. For large trees or any damage near the home, call a pro.

If you’re dealing with storm damage, don’t guess what’s covered. Call Tyler at Total Home Water Restoration—380-246-1837. We’ll take care of the mess like it’s our own home.

From disaster to done right.